Form 5500 · Employee benefit plan · LOUISVILLE, KY
REPUBLIC BANCORP, INC.
The filing calls this plan REPUBLIC BANCORP, INC. WELFARE BENEFITS PLAN.
REPUBLIC BANCORP, INC. of LOUISVILLE, KY insures vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is EXPLAIN MY BENEFITS, LLC. Coverage is written through PRUDENTIAL INSURANCE COMPANY OF AMERICA and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-0197400 · plan 501 · plan year 2025, filed Jul 28, 2026
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679 other employer plans in Kentucky have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing names a third-party administrator on Schedule A and reports no medical premium.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 2 insured contracts covering vision, life and disability; the largest, with PRUDENTIAL INSURANCE COMPANY OF AMERICA, covers 966 people.
The filing declares vision, life, disability, health and dental. Health and dental appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $1,017,253, with $237,430 in disclosed broker commissions — about 23% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
EXPLAIN MY BENEFITS, LLC is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 966 | Jan 1, 2026 | $940,267 | $229,731 |
| DELTA DENTAL OF KENTUCKY | Vision | 1,525 | Jan 1, 2026 | $76,986 | $7,699 |
Premium and claims on this contract
DELTA DENTAL OF KENTUCKY, contract M00069. For the contract year on this filing, the carrier reported $75,342 in premium earned and $44,112 in claims incurred. Dividing one by the other gives 59%.
- DELTA DENTAL OF KENTUCKY, contract M00069 reported $28,193 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
How this plan compares
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Renewal calendar
679 other employer plans in Kentucky are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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